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All Journal Jurnal Ilmiah Mahasiswa Ekonomi Manajemen FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Sharf: Jurnal Ekonomi Islam Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Management and Business Expensive: Jurnal Akuntansi dan Keuangan Moneter : Jurnal Keuangan dan Perbankan Journal of Management, Economic, and Accounting
Ahmad Amin Dalimunthe
Universitas Islam Negeri Sumatera Utara
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Marketing Strategy for Islamic People's Financing Bank (BPRS) Products at PT BPRS Puduarta Insani Amelia Azura; Ahmad Amin Dalimunthe
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.605

Abstract

Marketing Strategy is a strategy or fundamental approach taken by companies in completing advertising activities. Before formulating a company strategy, it is necessary to have a plan or a goal to be achieved. The rapid development in the banking world requires Islamic banks that are present in the midst of conventional banks to be able to survive and compete and continue to improve competencies in order to attract customer trust and interest in the quality of products and services available at these Islamic banks. With the increasing interest of customers to switch to Islamic banks, it will certainly increase the achievement of sales targets for the products offered. The research was conducted to determine the marketing strategy in achieving the target at..PT. BPRS..Puduarta..Insani.
Islamic Banking Methods When Facing Increased Gold Pawn Production at Sharia Bank KC Kabanjahe Nurianti Rahmadani; Ahmad Amin Dalimunthe
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.638

Abstract

The implementation of gold pawning is part of Islamic financial institutions in 2011-2012, the level of pawning is very large but can help supply customers. This research aims to find out how Islamic banking is when dealing with developers of gold pawning production. In the face of increased production of gold pawnshops, the problem that occurs is the production of gold pawnshops, and the assumption given by the Islamic bank KC Kabanajahe to overcome these problems. The method used in this research is a qualitative method using primary data in the form of documents and slides related to gold pawn financing, while for secondary data in the form of information from the internet, books, journals, theses, articles and other literature. Based on the results of the research that has been done, it is concluded that the strategy adopted in dealing with the development of gold pawn products is in accordance with the theories and methods of developing innovations for Islamic banking products and in dealing with the problems of developing gold pawning products that occur, the Islamic bank KC Kabanajahe fulfills regular trends for programs by supplying customers, advancing the increase in gold pawning for products belonging to the Islamic bank KC Kabanajahe by persisting Mitigation of payments for payments that are met..
Sistem Pengelolaan Arsip Unit Dalam Negeri dan Kliring pada PT Bank Syariah Indonesia KC S. Parman Medan Maulana Iskandar; Ahmad Amin Dalimunthe
ManBiz: Journal of Management and Business Vol 1 No 1 (2022): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (559.111 KB) | DOI: 10.47467/manbiz.v1i1.1630

Abstract

This study examines the records the executives framework for inside and clearing units at PT. Bank Syariah Indonesia KC S. Parman. The motivation behind this paper is (1) to portray how the inside and clearing unit document the board framework at PT. Bank Syariah Indonesia Kc S. Parman(2) depicts the limitations looked during the time spent recording the inside and clearing the board unit at PT. Bank Syariah Indonesia Kc S. Parman(3) portrays the endeavors made to defeat obstructions in the recording system of the Homegrown and Clearing the executives unit at PT. Bank Syariah Indonesia KC S. Parman. Information was gathered through perception, meetings, and writing study. interviews with the top of the inside and clearing unit, the boss of the inside unit and the clearing and general staff at PT. Bank Syariah Indonesia Kc S. Parman Broke down the information graphically. Keywords: the executives; documents; Clearing Unit
Analisis Pelaksanaan Pembiayaan Multiguna pada Bank Syariah Indonesia KC Medan S. Parman Muhammad Iqbal Pane; Ahmad Amin Dalimunthe
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 2 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (306.234 KB) | DOI: 10.47467/alkharaj.v5i2.1231

Abstract

This exploration is roused by the elements of the elements of the Indonesian economy, in light of the fact that after the money related emergency in 1998, banking execution became poor. After the emergency, the financial exhibition showed advancements. Then, at that point, came the PT. Bank Syariah Indonesia KC Medan S. Parman which gives multipurpose financing items, specifically purchaser financing without guarantee. On a basic level, acquiring unstable financing dispensed by banks requires a troublesome interaction, however it is different with PT. Bank Syariah Indonesia KC Medan S. Parman which is progressively being visited by clients who will apply for multipurpose financing after the financing is sent off and everything is fruitful. The motivation behind this examination is to execute the depiction of multipurpose financing that can give accommodation to clients. This examination utilizes subjective exploration with distinct methodology with the meeting technique, which investigates information by gathering, summing up and choosing things in regards to multipurpose financing. after that it is introduced as a stream visit (outline of connections among classes) and afterward ends can be drawn about regardless of whether the execution of multipurpose financing gives comfort to clients. The aftereffects of this study show that the most common way of executing multipurpose financing incorporates : multipurpose financing applications, MOU (Notice of Understanding) arrangements, financing council endorsements, contract endorsements, endorsements and endorsements did independently and all things considered. In compiling this research, the researcher chose to conduct qualitative research with data collection methods through field observations and also existing literature. PT. Sharia Bank KC Medan S. Parman, it was concluded that the composition and human resources were carried out effectively. It can be seen the implementation of Multipurpose Financing at PT. Bank Syariah Indonesia KC Medan S. Parman through its simple needs so that the implementation of this multipurpose financing provides accommodation, comfort and convenience to customers. Keywords: Multipurpose Financin, Islamic Bank
PENGARUH HARGA, KUALITAS PELAYANAN, DAN BRAND AMBASSADOR TERHADAP KEPUTUSAN PEMBELIAN PRODUK BTS MEAL OLEH KONSUMEN MUSLIM Desvira Utami Rahmadini; Ahmad Amin Dalimunthe
Jurnal Ilmiah Mahasiswa Ekonomi Manajemen Vol 7, No 3 (2022): Agustus
Publisher : Departemen Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jimen.v7i3.21496

Abstract

Consumer purchasing decisions are usually carried out when consumers choose and evaluate a product or service. Price, service quality, and brand ambassadors are considered to be important to determine a consumer's purchase decision. Therefore, this study aims to measure the effect of price, service quality, and brand ambassadors on Muslim consumers’ decision to purchase BTS Meal products. 90 Muslim consumers were selected as respondents using non-probability sampling with purpossive sampling technique. To collect data, a google form of questionnaire was distributed. Using multiple linear regression, the data were analyzed with SPSS. The results show that price and service quality of the BTS Meal have a positive yet not significant effect on the Muslim consumers’ purchasing decisions. While the brand ambassador has a positive and significant impact on the consumers’ decisions. Simultaneously, the three measured variables have a significant effect on the Muslim consumers when deciding to purchase the product. However, 75% of the coefficient of determination stated that the value of purchasing decisions was influenced by other factors. Thus, the findings suggest that the manufacturers need to optimize the use of Brand Ambassadors while emphasizing the equal importance of price and service quality for the success of promoting the product.
Strategi Penanganan Pembiayaan Yang Bermasalah Terhadap PT. Bank Sumut Syari’ah Cabang Medan Katamso) Maylin Azzahra; Ahmad Amin Dalimunthe
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 6, No 1 (2023): APRIL
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v6i1.825

Abstract

The current research is focused on what are the triggers that lead to problematic financing as well as solutions from banks to these customer problems at PT. Bank Sumut Syariah Medan Katamso Branch Office. The method used is descriptive qualitative. Where the researchers carried out this method by collecting information through question and answer sessions from resource persons, research and also data studies. Researchers found lots of lists of problematic financing customers at PT. Bank Sumut Syariah Medan Katamso Branch. This problematic financing itself means a situation where the debtor cannot or is able to meet his needs for Islamic financial institutions or in short, it can be said that the customer is unable to pay installments to the bank. The results obtained are the main cause of this problematic financing, namely because the customer is no longer able to fulfill his responsibilities to the bank, besides that it is also the character of the customer who is of course deliberately not paying the arrears that occur. So the steps taken by the bank if the customer still has good faith are reschedule, restructuring, reconditioning. However, if there is nothing more to be expected from the customer, then what is done is confiscation, emptying, and then auctioning. This is the last key done by the bank so as not to suffer losses.
Perbandingan Pemahaman Penyusunan Laporan Keuangan Usaha Kecil Menengah Berdasarkan SAK EMKM Rahmah Sudana Siregar; Ahmad Amin Dalimunthe; Nur Fadhilah Ahmad Hasibuan
Expensive: Jurnal Akuntansi dan Keuangan Vol 2 No 1 (2023): Januari
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The purpose of this study was to determine the understanding of the preparation of financial reports at Gajah Farhan Bakery and UD. Blessing. This study uses a qualitative method with a descriptive approach. The subjects in this study were the business actors of the Gajah Farhan Bakery and UD. Blessings as well as being the object of this research are the financial records of the two business actors. Based on the results of the study, it was shown that the understanding of the preparation of financial reports at Gajah Farhan Bakery's Earloaf Factory was not good, but at UD. The blessing of the understanding of business actors can be said to be good. The two business actors have made financial records but are not in accordance with SAK EMKM. Equation of financial records for the two business actors has also made financial records in the form of cash-in and cash-out bookkeeping as well as debt receipts, receivables and inventories. And the difference between the financial records of the two business actors lies in UD. It is a blessing that makes financial records of the balance sheet and profit and loss, but for the Elephant Earloaf Factory it does not make financial records of the balance sheet and profit and loss.
ANALYSIS OF FINANCING RESTRUCTURING DURING THE COVID-19 PANDEMIC IN THE SHARIA BUSINESS UNIT (UUS) of PT. SUMUT BANK abdi jaya; Yenni Samri Julianti Nasution; Ahmad Amin Dalimunthe
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023)
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.313

Abstract

Covid-19 pandemic that has hit the world has resulted decline economics and influence sector banking in a manner general including banking sharia experience decline growth , consequently banking sharia must do way to be healthy still awake and able relieve burden customers affected . Efforts made by the Sharia Business Unit of PT Bank Sumut in framework help customers so they can finish one of the obligations do Restructurisation Financing refers to OJK Regulation No. 11/POJK.03/2020 concerning National Economic Stimulus as Policy Countercyclical Impact Spread of Coronavirus Disease 2019. As for restructuring financing This specialized to business customers _ affected the Covid-19 pandemic is good in a manner direct nor No direct However Still own prospect For finish his obligations after restructured . Study This own objective For analyze application restructuring and its obstacles in settlement financing during the covid-19 virus pandemic in the Sharia Business Unit of PT. North Sumatra Bank . Method study use use approach method qualitative For analyze in a manner descriptive with use approach analysis SWOT . Objective study This There is two namely (1) Knowing How mechanism application restructuring during the Covid-19 pandemic at UUS PT Bank Sumut that is through rescheduling and reconditioning ; (2) Knowing obstacle in implementation restructuring during the Covid-19 period at UUS PT Bank Sumut that is related with weakness analysis restructuring , lack information about accepted restructuring _ customers and difficulties customers in fulfil completeness file application restructurisation
CUSTOMER DECISIONS TO USE BANK MUAMALAT PRODUCTS AND SERVICES RANTAU PRAPAT BRANCH Dani Rahman; Muhammad Arif; Ahmad Amin Dalimunthe
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023)
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.359

Abstract

Bank Muamalat Rantau Prapat Branch began operating in 2010 and showed significant growth in 2011 and 2012. In the following years, business development and the number of Bank customers tend to stagnate in 2018, 2019, 2020 and 2021 which can result in a decrease in branch profits and rational efficiencies such as employee layoffs, moving to smaller offices, reducing branch status and others. So research is needed to find out and measure what factors make existing customers want to use products and services at the Rantau Prapat branch office. With these factors known, it can become management policy material for market penetration with the type of products and supporting strategies that are in accordance with known factors so that it is expected that the branch office will grow significantly in the future. The research is only concentrated on the coverage area of Bank Muamalat Rantau Prapat Branch services, namely: North Labuhan Batu, Labuhan Batu, South Labuhan Batu districts, hence the possibility that in other areas the research results will vary with the same variables. The independent variables measured in this study are: Culture, Psychology, Personal, Social and Environment, with Customer Decisions as the dependent variable. The research method uses a positive affirmation Likert scale, multiple linear regression, t test and F test. The results showed that partially cultural, social, personal and environmental factors had no significant effect on customer decisions, while psychological factors had a significant effect on customer decisions. Together and simultaneously five independent variable factors have a very significant effect on customer decisions using Bank Muamalat products and services Rantau Prapat Branch.
Analysis of Accountability and Transparency in Management of the Village Revenue and Expenditure Budget (APBDes) in Pakkat Hauagong Village, Humbang Hasundutan District Wardah T. Simamora; Ahmad Amin Dalimunthe; Aqwa Naser Daulay
Journal of Management, Economic, and Accounting Vol. 2 No. 2 (2023): Juli-Desember
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study focuses on APBDes because they have a significant impact on development in the Village, with the potential to improve public services, community participation, and welfare, but there are general problems in managing village budgets related to lack of accountability and transparency and not complying with the existing provisions of the village head, which causes community protests and the need for increased oversight and control. This study aims to analyze the implementation of the management of the Village Revenue and Expenditure Budget (APBDes) in Pakkat Hauagong Village in fulfilling the principles of accountability and transparency in accordance with Permendagri No 20 of 2018. This research uses qualitative research methods by collecting data through observation, documentation and interviews. The analytical tool used is the indicators for each stage of APBDes management based on Permendagri No 20 of 2018. The results of the study show that Accountability and Transparency in APBDes Management in Pakkat Hauagong Village are in accordance with Permendagri No. 20 of 2018, it was found that the implementation of Accountability was in accordance with a percentage rate of 93% in the planning, administration, reporting and accountability stages, although there was one aspect in the implementation stage that was not fully in accordance with the provisions. Meanwhile, the implementation of Transparency is quite in accordance with the percentage level of 67%, although there are still improvements, especially related to the completeness of the information conveyed through bulletin boards and written reports.
Co-Authors abdi jaya Alwan Azhari Amelia Azura Aqwa Naser Daulay Dani Rahman Desvira Utami Rahmadini Maulana Iskandar Maylin Azzahra Muhammad Arif Muhammad Iqbal Pane Nur Fadhilah Ahmad Hasibuan Nurianti Rahmadani Rahmah Sudana Siregar Wardah T. Simamora Yenni Samri Julianti Nasution